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Country Report

Credit Card Transactions in

Credit Cards in the US

Oct 2019

US$990

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Credit card rewards slow down in 2019

In recent years, consumers have shown increasing demand for premium credit card rewards programmes, but issuers and merchants are wary of the costs they assume to facilitate such benefits. Issuers have been particularly concerned by the trend of consumers opening credit cards with premium rewards benefits, using the card just enough to accrue these benefits, and then discontinuing their use to pursue other rewards cards.

Interest rates continue to rise

Credit card interest rates are linked, albeit somewhat ambiguously, to the US Federal Bank’s Prime Rate and have continued to rise in 2019. Despite this increase in the average credit card APR, spending per card has also continued to increase over the past several years, likely due to a concurrent increase in consumer confidence, measured by the Consumer Confidence Index.

Premium rewards cards could spell trouble for merchants

Merchants are growing increasingly concerned by premium rewards cards due to high transaction processing fees, which constitute a significant source of funding for card benefits. These processing fees are cutting into merchants’ profit margins and offer little benefit to the merchants themselves.

COMPETITIVE LANDSCAPE

Mastercard launches new small business card features

Adding to its small business offerings, Mastercard announced a collection of new features for its Business and World Elite cards intended to better serve small business operators across a wide array of categories. Mastercard identified security and identity theft protection as nearly universal concerns of all small business owners and sought out strategic partnerships to meet these demands.

Capital One suffers significant data breach

Early in 2019, Capital One was the victim of a data breach that compromised the security of over 100 million customer accounts. Although Capital One assured its customers that no credit card account numbers or log-in information was compromised, the data breach affected credit card applicants dating back to 2005.

New Apple Card could be more flash than function

Apple announced its foray into plastic payments in Spring 2019, with the first cards being released to a random selection of consumers in early August 2019. The initial announcement was met with intrigue and excitement, but in comparing the rewards schemes to similar credit cards, the Apple Card appears somewhat lacklustre.

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Overview

Why buy this report?

Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Credit Card Transactions industry in USA with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Credit Card Transactions industry in USA, our research will save you time and money while empowering you to make informed, profitable decisions.

The Credit Card Transactions in USA market research report includes:

Analysis of key supply-side and demand trends
Detailed segmentation of international and local products
Historic volumes and values, company and brand market shares
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Credit Card Transactions in USA?
What are the major operators and issuers in USA?
What is the current state and expected evolution of consumer payment preference?
What payment instrument offers the highest growth potential?
What strategies and positioning have consumer finance companies utilized to win in the market?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Credit Card Transactions in USA, originate from our database within our Consumer Finance market share and market size database

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Charge Cards in the US - Category analysis

Charge Cards in the US - Company Profile

HEADLINES

PROSPECTS

Charge cards continue to lose ground to credit cards

The future of charge cards is questionable

Charge cards could stay relevant through business customers

COMPETITIVE LANDSCAPE

Brex offers corporate charge cards to start-ups

American Express partners with Resy to offer new membership rewards

New Blue Business Cash Card merges aspects of credit and charge cards

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2014-2019
Table 2 Charge Cards Transactions 2014-2019
Table 3 Charge Cards in Circulation: % Growth 2014-2019
Table 4 Charge Cards Transactions: % Growth 2014-2019
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2014-2019
Table 6 Commercial Charge Cards Transactions 2014-2019
Table 7 Commercial Charge Cards in Circulation: % Growth 2014-2019
Table 8 Commercial Charge Cards Transactions: % Growth 2014-2019
Table 9 Personal Charge Cards: Number of Cards in Circulation 2014-2019
Table 10 Personal Charge Cards Transactions 2014-2019
Table 11 Personal Charge Cards in Circulation: % Growth 2014-2019
Table 12 Personal Charge Cards Transactions: % Growth 2014-2019
Table 13 Charge Cards: Number of Cards by Issuer 2014-2018
Table 14 Charge Cards: Number of Cards by Operator 2014-2018
Table 15 Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 16 Charge Cards Payment Transaction Value by Operator 2014-2018
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2014-2018
Table 18 Commercial Charge Cards: Number of Cards by Operator 2014-2018
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2014-2018
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2014-2018
Table 21 Personal Charge Cards: Number of Cards by Issuer 2014-2018
Table 22 Personal Charge Cards: Number of Cards by Operator 2014-2018
Table 23 Personal Charge Cards Transaction Value by Issuer 2014-2018
Table 24 Personal Charge Cards Transaction Value by Operator 2014-2018
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2019-2024
Table 26 Forecast Charge Cards Transactions 2019-2024
Table 27 Forecast Charge Cards in Circulation: % Growth 2019-2024
Table 28 Forecast Charge Cards Transactions: % Growth 2019-2024
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2019-2024
Table 30 Forecast Commercial Charge Cards Transactions 2019-2024
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2019-2024
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2019-2024
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2019-2024
Table 34 Forecast Personal Charge Cards Transactions 2019-2024
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2019-2024
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2019-2024

Credit Cards in the US - Category analysis

Credit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Credit card rewards slow down in 2019

Interest rates continue to rise

Premium rewards cards could spell trouble for merchants

COMPETITIVE LANDSCAPE

Mastercard launches new small business card features

Capital One suffers significant data breach

New Apple Card could be more flash than function

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2014-2019
Table 38 Credit Cards Transactions 2014-2019
Table 39 Credit Cards in Circulation: % Growth 2014-2019
Table 40 Credit Cards Transactions: % Growth 2014-2019
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2014-2019
Table 42 Commercial Credit Cards Transactions 2014-2019
Table 43 Commercial Credit Cards in Circulation: % Growth 2014-2019
Table 44 Commercial Credit Cards Transactions: % Growth 2014-2019
Table 45 Personal Credit Cards: Number of Cards in Circulation 2014-2019
Table 46 Personal Credit Cards Transactions 2014-2019
Table 47 Personal Credit Cards in Circulation: % Growth 2014-2019
Table 48 Personal Credit Cards Transactions: % Growth 2014-2019
Table 49 Credit Cards: Number of Cards by Issuer 2014-2018
Table 50 Credit Cards: Number of Cards by Operator 2014-2018
Table 51 Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 52 Commercial Credit Cards: Number of Cards by Issuer 2014-2018
Table 53 Commercial Credit Cards: Number of Cards by Operator 2014-2018
Table 54 Commercial Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 55 Commercial Credit Cards Payment Transaction Value by Operator 2014-2018
Table 56 Personal Credit Cards: Number of Cards by Issuer 2014-2018
Table 57 Personal Credit Cards: Number of Cards by Operator 2014-2018
Table 58 Personal Credit Cards Payment Transaction Value by Issuer 2014-2018
Table 59 Personal Credit Cards Payment Transaction Value by Operator 2014-2018
Table 60 Forecast Credit Cards: Number of Cards in Circulation 2019-2024
Table 61 Forecast Credit Cards Transactions 2019-2024
Table 62 Forecast Credit Cards in Circulation: % Growth 2019-2024
Table 63 Forecast Credit Cards Transactions: % Growth 2019-2024
Table 64 Forecast Commercial Credit Cards: Number of Cards in Circulation 2019-2024
Table 65 Forecast Commercial Credit Cards Transactions 2019-2024
Table 66 Forecast Commercial Credit Cards in Circulation: % Growth 2019-2024
Table 67 Forecast Commercial Credit Cards Transactions: % Growth 2019-2024
Table 68 Forecast Personal Credit Cards: Number of Cards in Circulation 2019-2024
Table 69 Forecast Personal Credit Cards Transactions 2019-2024
Table 70 Forecast Personal Credit Cards in Circulation: % Growth 2019-2024
Table 71 Forecast Personal Credit Cards Transactions: % Growth 2019-2024

Debit Cards in the US - Category analysis

Debit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Debit card rewards make comeback through fintechs

Digital wallets likely to boost commercial card usage over forecast period

COMPETITIVE LANDSCAPE

Cash Card from Square Inc offers rewards and serves underbanked population

Green Dot offers unlimited cash back bank account

Glint brings gold-based debit cards to the US

CATEGORY DATA

Table 72 Debit Cards: Number of Cards in Circulation 2014-2019
Table 73 Debit Cards Transactions 2014-2019
Table 74 Debit Cards in Circulation: % Growth 2014-2019
Table 75 Debit Cards Transactions: % Growth 2014-2019
Table 76 Debit Cards: Number of Cards by Issuer 2014-2018
Table 77 Debit Cards: Number of Cards by Operator 2014-2018
Table 78 Debit Cards Payment Transaction Value by Issuer 2014-2018
Table 79 Debit Cards Payment Transaction Value by Operator 2014-2018
Table 80 Forecast Debit Cards: Number of Cards in Circulation 2019-2024
Table 81 Forecast Debit Cards Transactions 2019-2024
Table 82 Forecast Debit Cards in Circulation: % Growth 2019-2024
Table 83 Forecast Debit Cards Transactions: % Growth 2019-2024

Pre-Paid Cards in the US - Category analysis

Pre-Paid Cards in the US - Company Profile

HEADLINES

PROSPECTS

Pre-paid cards can be an effective solution for gig economy workers

New security protections for pre-paid cards

Increasing options for rewards

COMPETITIVE LANDSCAPE

Mango offers a pre-paid card with a generous savings account

Starbucks rewards Visa pre-paid card

Akimbo links multiple cards to one account

CATEGORY DATA

Table 84 Pre-paid Cards: Number of Cards in Circulation 2014-2019
Table 85 Pre-paid Cards Transactions 2014-2019
Table 86 Pre-paid Cards in Circulation: % Growth 2014-2019
Table 87 Pre-paid Cards Transactions: % Growth 2014-2019
Table 88 Closed Loop Pre-paid Cards Transactions 2014-2019
Table 89 Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 90 Open Loop Pre-paid Cards Transactions 2014-2019
Table 91 Open Loop Pre-paid Cards Transactions: % Growth 2014-2019
Table 92 Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 93 Pre-paid Cards Transaction Value by Operator 2014-2018
Table 94 Open Loop Pre-paid Cards: Number of Cards by Operator 2014-2018
Table 95 Open Loop Pre-paid Cards Transaction Value by Operator 2014-2018
Table 96 Forecast Pre-paid Cards: Number of Cards in Circulation 2019-2024
Table 97 Forecast Pre-paid Cards Transactions 2019-2024
Table 98 Forecast Pre-paid Cards in Circulation: % Growth 2019-2024
Table 99 Forecast Pre-paid Cards Transactions: % Growth 2019-2024
Table 100 Forecast Closed Loop Pre-paid Cards Transactions 2019-2024
Table 101 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2019-2024
Table 102 Forecast Open Loop Pre-paid Cards Transactions 2019-2024
Table 103 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2019-2024

Store Cards in the US - Category analysis

Store Cards in the US - Company Profile

HEADLINES

PROSPECTS

Growth in store cards continues to slow

Economic volatility could lead to continued difficulties for store cards

New financing options threaten the relevance of store cards

COMPETITIVE LANDSCAPE

Kroger announces new Kroger Rewards store card and mobile payments service

Amazon launches credit builder store card

CATEGORY DATA

Table 104 Store Cards: Number of Cards in Circulation 2014-2019
Table 105 Store Cards Transactions 2014-2019
Table 106 Store Cards in Circulation: % Growth 2014-2019
Table 107 Store Cards Transactions: % Growth 2014-2019
Table 108 Store Cards: Number of Cards by Issuer 2014-2018
Table 109 Store Cards: Payment Transaction Value by Issuer 2014-2018
Table 110 Forecast Store Cards: Number of Cards in Circulation 2019-2024
Table 111 Forecast Store Cards Transactions 2019-2024
Table 112 Forecast Store Cards in Circulation: % Growth 2019-2024
Table 113 Forecast Store Cards Transactions: % Growth 2019-2024

Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

Card payments performing well amid trends towards personalisation

EMV chip cards are ubiquitous; will contactless follow suit?

Demand for real-time payments continues to grow with Fed support

Pressure abounds

Blurred lines and easier access

MARKET INDICATORS

Table 114 Number of POS Terminals: Units 2014-2019
Table 115 Number of ATMs: Units 2014-2019
Table 116 Value Lost to Fraud 2014-2019
Table 117 Card Expenditure by Location 2019
Table 118 Financial Cards in Circulation by Type: % Number of Cards 2014-2019
Table 119 Domestic versus Foreign Spend 2019

MARKET DATA

Table 120 Financial Cards by Category: Number of Cards in Circulation 2014-2019
Table 121 Financial Cards by Category: Number of Accounts 2014-2019
Table 122 Financial Cards Transactions by Category: Value 2014-2019
Table 123 Financial Cards by Category: Number of Transactions 2014-2019
Table 124 Consumer Payments by Category: Value 2014-2019
Table 125 Consumer Payments by Category: Number of Transactions 2014-2019
Table 126 M-Commerce by Category: Value 2014-2019
Table 127 M-Commerce by Category: % Value Growth 2014-2019
Table 128 Financial Cards: Number of Cards by Issuer 2014-2018
Table 129 Financial Cards: Number of Cards by Operator 2014-2018
Table 130 Financial Cards: Card Payment Transactions Value by Operator 2014-2018
Table 131 Financial Cards: Card Payment Transactions Value by Issuer 2014-2018
Table 132 Forecast Financial Cards by Category: Number of Cards in Circulation 2019-2024
Table 133 Forecast Financial Cards by Category: Number of Accounts 2019-2024
Table 134 Forecast Financial Cards Transactions by Category: Value 2019-2024
Table 135 Forecast Financial Cards by Category: Number of Transactions 2019-2024
Table 136 Forecast Consumer Payments by Category: Value 2019-2024
Table 137 Forecast Consumer Payments by Category: Number of Transactions 2019-2024
Table 138 Forecast M-Commerce by Category: Value 2019-2024
Table 139 Forecast M-Commerce by Category: % Value Growth 2019-2024

Megatrends

Country Report

Credit Cards in the US

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Credit card rewards slow down in 2019

Interest rates continue to rise

Premium rewards cards could spell trouble for merchants

COMPETITIVE LANDSCAPE

Mastercard launches new small business card features

Capital One suffers significant data breach

New Apple Card could be more flash than function

Overview

Why buy this report?

SAMPLES

Delivery Method

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in the US - Category analysis

Charge Cards in the US - Company Profile

HEADLINES

PROSPECTS

Charge cards continue to lose ground to credit cards

The future of charge cards is questionable

Charge cards could stay relevant through business customers

COMPETITIVE LANDSCAPE

Brex offers corporate charge cards to start-ups

American Express partners with Resy to offer new membership rewards

New Blue Business Cash Card merges aspects of credit and charge cards

CATEGORY DATA

Credit Cards in the US - Category analysis

Credit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Credit card rewards slow down in 2019

Interest rates continue to rise

Premium rewards cards could spell trouble for merchants

COMPETITIVE LANDSCAPE

Mastercard launches new small business card features

Capital One suffers significant data breach

New Apple Card could be more flash than function

CATEGORY DATA

Debit Cards in the US - Category analysis

Debit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Debit card rewards make comeback through fintechs

Digital wallets likely to boost commercial card usage over forecast period

COMPETITIVE LANDSCAPE

Cash Card from Square Inc offers rewards and serves underbanked population

Green Dot offers unlimited cash back bank account

Glint brings gold-based debit cards to the US

CATEGORY DATA

Pre-Paid Cards in the US - Category analysis

Pre-Paid Cards in the US - Company Profile

HEADLINES

PROSPECTS

Pre-paid cards can be an effective solution for gig economy workers

New security protections for pre-paid cards

Increasing options for rewards

COMPETITIVE LANDSCAPE

Mango offers a pre-paid card with a generous savings account

Starbucks rewards Visa pre-paid card

Akimbo links multiple cards to one account

CATEGORY DATA

Store Cards in the US - Category analysis

Store Cards in the US - Company Profile

HEADLINES

PROSPECTS

Growth in store cards continues to slow

Economic volatility could lead to continued difficulties for store cards

New financing options threaten the relevance of store cards

COMPETITIVE LANDSCAPE

Kroger announces new Kroger Rewards store card and mobile payments service

Amazon launches credit builder store card

CATEGORY DATA